Net Worth Calculator - Assets vs Liabilities & US Percentiles

Calculate your true financial net worth (Assets minus Liabilities) and compare your wealth percentile against official US Federal Reserve SCF benchmarks by age bracket.

⚙️ Configuration & Inputs

Your Age Bracket

Liquid Cash & Checking/Savings ($)

Retirement & Brokerage (401k, IRA, Stocks) ($)

Primary Real Estate Market Value ($)

Vehicles & Other Property ($)

Mortgage Balance Remaining ($)

Consumer Debt (Student Loans, Auto, Cards) ($)

📊 Results & Analysis

Your Total Net Worth $390,000 Top 25% for your age group

Total Assets $690,000 What you own

Total Liabilities (Debt) $300,000 What you owe

Debt-to-Asset Ratio 43.5% Financial leverage health

Home Equity $170,000 37.8% equity ownership

Liquid Net Worth (Excl. Home) $220,000 Investable financial capital

The Fundamental Wealth Equation: Assets - Liabilities

Net worth is the single most accurate scorecard of overall financial health because high income does not equal high wealth if matched by high debt.

Frequently Asked Questions

According to the Federal Reserve Survey of Consumer Finances (SCF), the overall median American household net worth is approximately $192,900.

Liquid net worth excludes illiquid physical assets like your primary residence and automobiles, measuring only cash, bonds, and marketable equities that can be liquidated within days.